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3 Founded By: 3 : Network Information Access : 3 Mother Earth BBS 3
3 Guardian Of Time 3D: 23JUL90 :D3 NUP:> DECnet 3
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3 IMMMMMMMMMMMMMMMMMMMMMMMMM; 3
@DDDDDDDDDDDDDD: MPACT: Ordering Process :DDDDDDDDDDDDDDY
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ATM Card Ordering: How Is It Done?
This particular ATM file, will be more detailed on the side of the Banks, and
how the card is processed and ordered. There are certain steps that are
done in order to get your ATM Card Request Form processed and Ready for
ordering.
This file is going off the BATCH PROCESSING method, if you do NOT know what
batch processing is, then please find my other files and read up on it
otherwise, you will/might be lost.
Any questions concerning ATM's look for Guardian Of Time, at your local
private BBS. I will be comming out with a few more ATM (NIA Updates), soon,
correcting/going over what other people have wrote. I hope and feel that if
you attempt to or perhaps want the upper hand in a discussion, that you will
read the OLD files, see why they are OLD and then read mine, I will go over
everything and all questions will be answered.
I may be repeating some items that are discussed in other NIA/ATM files.
But the only reason that they are being repeated is because that if I don't
repeat myself you will not be able to follow, nor will you be able to
understand ( assuming that you are NOT familiar at all w/ ATM's ).
ORDERING
You fill out the Card Request Form, MPACT has a few that they dump on their
clients ( banks ) but for arguments sake I'll describe one below in the best
way possible, by using Text Graphics ( No, No, Anything but that! ).
MPACT CARD ORDER FORM
FIRST NAME
LAST NAME
ADDRESS
CITY STATE
CHECKING ACCOUNT
SAVINGS ACCOUNT
ADDITONAL ACCOUNTS TO BE ACCESSED
SIGNATURE
SIGNATURE ( JOINT ACCOUNTS )
DATE
PHONE #
This is you basic form, on one side is the above the other side is what is
below.
PERSONAL IDENTIFICATION CODE ( or PIC )
______ ______ ______ ______
Do not select 0000 or Q or Z
Now the reason that you can NOT use straight zero's is because MPACT simply
does not allow it, and the Q or Z dates back to the Telephone Days, you can
NOT have a Q or Z on a Telephone IE, you don't have it on the ATM machine.
The PIC is 4 digits and or Letters, you can make it whatever you want, most
people, because they are stupid, ignorant, dumb, insanse, etc, make their 4
digit/alpha PIC code as SIMPLE AS POSSIBLE, they make it like 1234, their
name, pet name, kids name, their Master Card #, their Visa # etc. You will
find that no matter how many times you tell them to make it difficult, they
are just plain dumb and stupid, ( and should be held responsible for it! ),
they will make it easy. Because 4 digits/alpha is just to hard to remember.
Once you have filled out the form you will then return it to either the
teller or your ATM coordinator. Remember that person, for the ATM
Coordinator, is the one that orders your cards and such. Banks have
different ways of breaking up the ordering processing.
: Filling Out The Card
: Turning it in
: Member Search to make sure Joe Blow is for real
: Does Joe Blow fall into the appropriate Category for ordering cards
: Does he have an ATM card now?
: If NO Give new CIF number
: If Yes Re-apply, give to ordering personal.
: Order Card.
: File record ( Order Form ).
: Note Date, and verification forms.
Thats about the simplest I can go, it could go real detailed, to real
simple, some places don't care who you are, some do. Some banks charge
money just to set up the card ( above process ), others do not. Some charge
for Re-Ordering Of cards some do not.
That is it for ordering the card, you should get some story about the
services offered ( if not they are stupid people as well ), and you should
be told that the card will be ordered with 2 days and you should get it
within 3 to 4 days.
PROCESSING OF ATM ORDER FORMS.
The processing of the form is quite simple, I went over it already, you turn
in your card, they look up your history, to see if you have had any bad ATM
records, NSF (Bad Checks), etc, depending on your banks, level of processing.
The form will then go to the ATM coordinator. He/she will then place your
card for ordering.
Once that is done it is time for Assing a CIF
CIF NUMBER
Central Information File: A nmber used to relate customer's accounts. This
method of centralizing related accounts provides
cardholders access to multiple accounts with one
card.
In English, this means the actual last 4 or 5 digits of your ATM card, every
ATM card has what is called a CIF number, that number relfects, in essace,
your account w/ MPACT, they can NOT find ONE THING with out that CIF #.
Most assured though, your Account at your bank will have a notation of it
somewhere, for your file must be sent each night to update it.
MPACT CARD
The actual MPACT CARD itself is quite the same as a credit card, for each of
the numbers means something, and well, just so you won't feel left out, here
are what the MPACT numbers mean.
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3 MPACT (TM) 3
FRONT OF CARD 3 5912345678123456121 3
3 3
3 JUDGE DREDD MPACT 3
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3 [XXXXXXXXXXXXXXXXXXXXXX] 3
BACK OF CARD 3 AUTHORIZED SIGNATURE 3
3 [______________________] 3
3 PARAGRAPH STATING ABOUT 3
3 RULES/LAWS CARD 3
3 3
3 CIRUS/PULSE 3
3 3
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Sorry for the crapy text graphics, but I am no artist, so screw you if you
think its bad.
In reference the the Mpact card number ( 5912345678123456121 ), those
numbers mean something, so here is the explanation:
The first two digits ( 59 ), will always be a 59, which indicates that the
card is indeed an MPACT card and that it is a DEBIT CARD.
The next eight digits ( 12345678 ) represent your banks routing/transit
number. This number is in essance your banks Account Number with Mpact, all
transactions can be looked at by your Accounting Department in a second with
that number.
The next series of numbers ( 123456 ), indicate your CIF ( central
Identification file ) number. This number is YOUR account number with
MPACT. Your bank can do NOTHING without this number. So make sure that you
have it with you at all times.
Next set of numbers ( 12 ), is your GROUP NUMBER. Group numbers offers a
simple way of giving out ATM cards with the SAME CIF number. Since if you
DO send out the same ATM card w/ the SAME CIF number, you will in fact,
cancel each other out, and both cards will work, but only have 0.00$
balances, and those are no fun.
The last digit on the card ( 1 ), is your Revision Number. The revision
number is somewhat like your group number. But this number is used in the
re-ordering of lost/stolen cards ( which if they do that, people are just
stupid, since it is MUCH easier to just re-issue another CIF number ).
That was the front side of your ATM card, now, I will go over what is on the
BACK side of the card. This part is what is considered the most IMPORTANT
part of the whole card, for this is how the ATM machine READS your card, and
knows that YOU are YOU.
The Magnetic stripe contains three tracks for encoded information. Track
one contains the customers name ( front of card ), track two contains all
the infromation explained above ( the ENTIRE card number ). Track three is
used for off-line capability, and since MPACT is on-line, the track is
usless.
Track One: JUDGE DREDD Judge Dredd///
NAME 2
ADDR Anywhere address
ADDR any town, st zipcode
CIF Judge Dredd O'Bryan